Esurance Auto Insurance Review for 2025 (+Rates & Discounts)

This Esurance auto insurance review explores flexible options for drivers who like to save based on their driving habits. With Pay Per Mile, rates start at $60 a month for people who drive under 10,000 miles a year.

Esurance Auto Insurance Rating

DriveSense rewards smoother habits—like gentle braking and daytime driving—with up to 30% off.

You can even get a 5% Fast 5® discount just to start your quote online, and the What If Calculator helps you see how things like moving or adding a car could change your rate before you commit.

Find out how people get auto insurance right by matching policies to their needs and budgets using our free comparison tool for side-by-side comparisons.

Comparing Esurance Insurance Monthly Rates

Esurance, a subsidiary of Allstate, clearly explains how your age and gender can impact your monthly payment. This table provides a clear view of how your premium changes as you age and gain more driving experience.

If you’re 18, you’re looking at the highest rates, especially for young women, who average $380 a month. Young men pay less at $233, but it’s still pricey compared to older drivers. Things start to calm down by your 30s, when women drop to about $90 and men sit around $95.

By your 60s, you’re seeing the lowest rates of all—just $60 for women and $65 for men—proving that years of safe driving pay off over time.

But age and gender aren’t the only things that shape your monthly premium—your driving record can wipe out years of savings in one bad moment. The next table illustrates the exact cost of a single mistake.

Esurance Auto Insurance Monthly Rates by Driving Record

If you’ve got a clean record, you’re looking at some of the lowest rates—about $90 for minimum coverage and $163 for full. But one accident can almost double your bill to $200 a month, and a DUI can push it up to $280. Even a single ticket can cost you nearly $1,000 more a year, which shows how much it pays to drive safely.

After seeing how your driving profile affects your rate, it’s also helpful to compare Esurance with other major insurers. This table gives you a clear look at what you’d pay and how those prices stack up if you’re shopping around.

Esurance vs. Top Competitors: Auto Insurance Monthly Rates

For minimum coverage, Esurance costs $90 a month—more than Geico’s $43, but $6 less than Liberty Mutual and $10 less than Travelers. On full coverage, it’s $85 cheaper than Liberty Mutual and $35 less than Farmers. It strikes a nice middle ground with good value, easy-to-use digital tools, and the backing of Allstate—something to keep in mind if you’re also reading an ultimate guide to buy a new car and planning your budget.

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Best Esurance Insurance Discounts

Esurance offers discounts that can noticeably lower your premium—sometimes by hundreds—if you take advantage of what you already qualify for.

Esurance Auto Insurance Discounts

Safe drivers can see up to 40% off, which could shave over $70 off a $180 monthly bill. Cars equipped with security devices qualify for anti-theft auto insurance discounts, offering up to 25% in savings. A clean claims record can earn another 25% off. When you bundle your auto policy with renters or homeowners insurance, it keeps things simple and knocks 10% off both premiums.

And beyond these standard savings, Esurance offers additional programs that reward low-mileage habits, tech-savvy shoppers, and smart coverage choices.

• Fast 5® Discount: Start your quote on Esurance.com and instantly receive 5% off your first-term premium—no extra steps, just an automatic reward for getting started.
• Multi-Policy Discount: Bundle your auto policy with renters or homeowners insurance and get up to 10% off each. Manage everything from one convenient dashboard.
• Renters Plus® Discount: Bundle your auto policy with Esurance renters insurance or homeowners insurance and get up to 10% off each. Manage everything from one convenient dashboard.
• DriveSense™ Discount: Plug in the device, drive smoothly, and you could earn up to 30% off, based on your braking, speed, and other real-time driving behaviors.
• Pay Per Mile Program: Oregon drivers logging under 10,000 miles a year can pay based on usage, with anything over 150 miles per day completely free.

These Esurance discounts don’t just reduce your premium—they reflect how you drive, live, and manage your insurance. Esurance ensures that your smart habits translate directly into savings.

Coverage Options From Esurance Insurance

Esurance Insurance Company has a bunch of coverage options that do more than just check the minimum boxes—they’re built to help you handle the stuff you didn’t see coming. Whether it’s a little bump in traffic, a stolen car, or unexpected medical bills, each type of coverage has its job.

Liability coverage steps in to pay for the other driver’s injuries or car damage if you’re at fault, and most states require you to have it. If your car gets damaged in a crash—regardless of who caused it—collision coverage helps pay for repairs. Comprehensive coverage includes non-collision events like theft, fire, falling branches, or hail damage.

Medical payments and personal injury protection can cover doctor visits, hospital stays, and even lost wages for you and your passengers. And if the other driver isn’t insured or doesn’t carry enough coverage, Esurance’s UM and UIM options help cover the gap.

Extras like roadside assistance, rental car reimbursement under Alternate Transportation, and digital claims filing from your phone add even more support when needed.

Products and Services Covered Under Esurance Policies

Esurance makes it easy to find coverage that fits your driving style. You can insure just about anything on wheels—cars, motorcycles, boats, RVs, ATVs, scooters, classic cars, and even commercial vehicles. Their policies are divided into medical, vehicle-based, and liability options, allowing you to select the coverage that matters most to you.

Their CoverageMyWay tool helps you figure it all out by asking a few simple questions and suggesting coverage that makes sense, such as adding collision if you’ve a newer car or bundling renters and auto if you’re in an apartment to save up to 10%. If you don’t drive much, it may even recommend trimming your liability to save you more.

Esurance Insurance Company makes it easy to protect where you live with flexible homeowners insurance coverage, plus options for condo owners and renters. Homeowners’ insurance covers your house, personal belongings, liability, and even hotel stays if you’re displaced.

Condo policies fill in what your HOA doesn’t, like upgrades and belongings. Renters’ insurance protects around $30,000 worth of your stuff, covers guest injuries, and helps with temporary housing if you can’t stay in your place.

Esurance Insurance Services, Inc. keeps it simple by focusing on what you need. Whether you’re bundling policies, protecting a classic car, or just covering your apartment, they give you clear, personalized suggestions that save you money without overpaying.

Other Insurance Options from Esurance

Esurance doesn’t just handle the big stuff like car and home insurance—they’ve got you covered when your dog needs surgery or your phone ends up in a puddle. These extra options are designed to keep your life running smoothly when the unexpected happens:

• Life Insurance: Protects your family’s finances if something happens to you. Esurance partners with top-rated providers to offer affordable plans that help cover funeral costs, mortgage payments, and everyday bills.
• Health Insurance: Lets you compare a range of plans, including Affordable Care Act options. You can apply directly online through Esurance’s health insurance partners.
• Pet Insurance: Covers surprise vet visits and treatments when your furry friend gets sick. Esurance works with Petplan—one of the most trusted pet insurance companies—to offer flexible plans backed by strong customer service ratings.
• Cell Phone Insurance: Protects your phone from water damage, theft, or loss. Through eSecuritel, you’ll get fast claims support and a replacement device in as little as two days.

If you’re looking into coverage beyond auto, Esurance home insurance reviews also highlight how their flexible policies make protecting your space and belongings easy. Esurance makes it simple to cover more than just your ride or roof—these extra policies help with the everyday things that matter just as much.

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Customer Reviews and Ratings of Esurance Insurance

Ratings aren’t just numbers—they offer a glimpse into how an insurance company treats its customers and handles real-life problems. Here’s what Esurance’s recent performance scores say about the expected experience.

Esurance Insurance Business Ratings & Consumer Reviews

With a J.D. Power score of 810 out of 1,000, Esurance holds its own in digital tools and policy features, though it may not deliver the same consistency as higher-ranked providers. A 72 out of 100 from Consumer Reports points to solid service overall, but some customers have reported frustration with how claims were resolved.

The 1.20 complaint ratio means Esurance Insurance Company receives more negative feedback than average, especially regarding follow-up and communication. Still, A.M. Best’s A- rating confirms that Esurance is financially strong and can pay out claims when needed.

Reddit’s a go-to spot when people want to talk honestly about their insurance experiences, and Esurance gets plenty of mentions. One Reddit user shared their experience with the claims process, and it gives a pretty clear picture of where the company shines—and where it doesn’t.

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This kind of feedback shows up often—Esurance nails the digital side of things, especially for tech-savvy users who like doing everything online. But if you prefer to talk to a real person, getting through by phone might test your patience. Still, for those looking for features like auto insurance for multiple vehicles and a fully online experience, Esurance remains a solid option.

How Esurance Changed the Way People Shop for Insurance

Getting a quote used to mean calling random agents, sitting on hold, or booking an awkward in-person meeting just to get a number. Esurance saw how frustrating that was and built something smarter—one of the first companies to let people get an Esurance car insurance quote entirely online, in just a few clicks.

Getting multiple auto insurance quotes without the back-and-forth or pressure from sales reps became easier than ever. Instead of spending on office space and a huge sales staff, Esurance Insurance Services, Inc. focused on developing its technology to deliver fast, accurate pricing that put users in control. That approach worked.

By the time Allstate stepped in and acquired it, Esurance had already written over $1.5 billion in premiums and was covering more than 970,000 policies. Now with the strength of Allstate’s $130 billion in assets behind them, Esurance keeps doing what made them different—making insurance easier and faster for everyone.

How to Save on Esurance Auto Insurance

Saving with Esurance Insurance Services, Inc. doesn’t have to be complicated—you just need to know where to look. Adjusting your deductible is one of the easiest ways to bring your monthly rate down. If you’re comfortable with a little more risk upfront, bumping it from $500 to $1,000 can seriously cut your monthly pay.

Driving less than usual? Update your mileage in your profile. Esurance looks at how often you’re on the road, so if your commute shrank or you’re just not driving much, it could lower your premium. You can save by going paperless and setting up auto-pay—small changes that add up over time.

Take a quick look at your optional coverages, too. If there’s something you’re not using, like roadside assistance, it might be worth trimming to save a little extra. And here’s a tip: if you’re looking for the cheapest car insurance, checking Esurance auto quotes about a week before your renewal date can sometimes lock in a better deal—and help you find a rate that fits your budget.

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Pros and Cons of Esurance Insurance

If you’re the type who’d rather do it all online—get a quote, file a claim, buy auto insurance, and manage everything in one place—Esurance receives it. Their setup keeps things quick and easy; the tools aren’t just for show. They help you stay on top of everything without the usual hassle.

• RepairView Photo Updates: When your car’s in the shop, you can track the repairs with daily photo updates through Esurance’s E-Star® network. No calling the body shop or guessing what’s going on—they keep you in the loop every step of the way.
• Claim Turnaround in 10 Days: Most drivers who file through the mobile app get their claims settled in 10 days or less. Upload some photos, answer a few questions, and you could have an estimate—or even a payout—before your next grocery run.
• What If Calculator: Thinking about moving or trading in your car? This tool lets you preview how those changes would impact your premium, without changing your actual policy until you’re ready.

But as helpful as Esurance’s digital tools are, they don’t cover everything. If you’re a low-mileage driver outside Oregon or plan to drive across the border, there are a couple of limitations worth knowing.

• No Mexico or Overseas Coverage: Esurance policies don’t extend outside the U.S. (except Canada), so if you’re driving into Mexico—even just for a weekend—you’ll need separate insurance.
• Pay Per Mile Only in Oregon: Their Pay Per Mile program, which is great for folks who don’t drive much, is only available in Oregon. If you’re in another state, even with low mileage, you won’t have access to this pricing option.

Overall, Esurance Insurance Company is a strong choice if you like handling things yourself online and don’t need hand-holding. It’s fast, intuitive, and backed by solid tools that make day-to-day insurance management less hassle.

Find Affordable Coverage With Esurance

Esurance Insurance Company is a great fit if you like handling things online and don’t need much back-and-forth with customer service. It’s super convenient, but it might not be ideal if you prefer talking to someone on the phone.

One thing that stands out is the What If Calculator—it helps you see how small changes can impact your rate before you commit. When you request an Esurance quote, you can spot potential hacks to save money on auto insurance, like raising your deductible or trimming any extra coverage you’re not using.

Driving less than usual? Updating your mileage can help, too. To get the best deal, use our free comparison tool to explore other side-by-side quotes.